I am one to think the "refund" that occurs during reclamation is a motivation for someone to resub again and not to give back someone their money on a house they want to part with. Granted, I'm sure it happens both ways though.

If someone found out about the reclamation system after they unsubbed, they might feel like that's one less reason to come back. But then they read the part about getting most of the money back so they might resub thinking they could just buy another house. After they resub and log in they of course find out there aren't any available but hey!